IFSC Code of Punjab National Bank, Nawabganj-Dist Unnao Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's NAWABGANJ-DIST UNNAO branch in NAWABGANJ, UTTAR PRADESH. The branch's IFSC code PUNB0178910 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Punjab National Bank's NAWABGANJ-DIST UNNAO branch, the IFSC PUNB0178910 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 178910 identifies this particular branch.

Branch details at a glance

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nawabganj-Dist Unnao branch in Nawabganj, Uttar Pradesh is part of this network and uses the IFSC code PUNB0178910 for all electronic settlement.

Nawabganj-Dist Unnao branch overview

Located at NAWABGANJ BYE PASS, NR MEDICAL DIST-UNNAO 209859, the Nawabganj-Dist Unnao branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0178910 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab National Bank's NAWABGANJ-DIST UNNAO branch came to be assigned the code PUNB0178910.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PUNB0178910, money simply cannot be routed to the NAWABGANJ-DIST UNNAO branch electronically.

How to transfer money using IFSC PUNB0178910

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC PUNB0178910 across all three.

NEFT to Punjab National Bank, NAWABGANJ-DIST UNNAO using IFSC PUNB0178910

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC PUNB0178910, and confirm that the system picks up Punjab National Bank – NAWABGANJ-DIST UNNAO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0178910

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab National Bank – NAWABGANJ-DIST UNNAO, ensure your bank's portal accepts IFSC PUNB0178910 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – NAWABGANJ-DIST UNNAO, use IMPS. With IFSC PUNB0178910 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0178910 for Punjab National Bank – NAWABGANJ-DIST UNNAO, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Nawabganj-Dist Unnao branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC PUNB0178910

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Punjab National Bank – NAWABGANJ-DIST UNNAO is still mapped to IFSC PUNB0178910. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC PUNB0178910 and the beneficiary's account number to complete the transfer.

Account types you can open at the Nawabganj-Dist Unnao branch

Once you have an account at Punjab National Bank – NAWABGANJ-DIST UNNAO, the IFSC PUNB0178910 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Nawabganj-Dist Unnao branch can access most of Punjab National Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC PUNB0178910

MICR & cheque-truncation details

Cheques drawn on the Nawabganj-Dist Unnao branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0178910 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0178910

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the NAWABGANJ-DIST UNNAO branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC PUNB0178910 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Punjab National Bank – NAWABGANJ-DIST UNNAO:

• The IFSC is exactly PUNB0178910 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Punjab National Bank as the bank name and NAWABGANJ-DIST UNNAO as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Nawabganj-Dist Unnao branch sits at NAWABGANJ BYE PASS, NR MEDICAL DIST-UNNAO 209859. If you are travelling from outside Nawabganj, search for the branch on a maps application using the bank name and locality, or call 514-3277155 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PUNB0178910 and your account number.

Verifying IFSC PUNB0178910 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm PUNB0178910 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 514-3277155.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Nawabganj-Dist Unnao are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to PUNB0178910 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0178910 belongs to Punjab National Bank's NAWABGANJ-DIST UNNAO branch, located at NAWABGANJ BYE PASS, NR MEDICAL DIST-UNNAO 209859 in NAWABGANJ, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.